Search found 521 matches

by Woodshark
Thu Apr 15, 2021 5:44 pm
Forum: Personal Consumer Issues
Topic: DIY Pest Control
Replies: 22
Views: 1494

Re: DIY Pest Control

We have a LOT of termites in our area and yes, I do my own pest control. Even to the point of trenching around the foundation every ten years and treating with generic Termidor. Yes I suit up and wear PPE and a mask. For mosquitos I use mosquito dunks in buckets of funky water (they love funky water...
by Woodshark
Wed Apr 14, 2021 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make sense that a car dealer needs to do a hard pull if you pay in full by check (cash)?
Replies: 78
Views: 6891

Re: Does it make sense that a car dealer needs to do a hard pull if you pay in full by check (cash)?

I bought an almost new van last year from CarMax. (Only had 9K miles on.) I paid with a personal check with no credit pull. What I did do was call my local bank. Explained that I was in the sales office and needed them to verify funds for the salesman. After that I handed him the phone. They said th...
by Woodshark
Fri Apr 02, 2021 4:44 pm
Forum: Personal Consumer Issues
Topic: New Tool Suggestions
Replies: 31
Views: 2193

Re: New Tool Suggestions

As a person who has built and remodeled a bunch of homes and also owns a nice woodworking shop, I would caution you against a table saw. For remodeling and building I highly recommend you get both a sliding miter saw AND a track saw for sheet goods. They are more useful, more versatile, more mobile ...
by Woodshark
Sat Mar 27, 2021 4:42 pm
Forum: Personal Consumer Issues
Topic: exipred / obsolete propane jugs
Replies: 58
Views: 3921

Re: exipred / obsolete propane jugs

FYI. Blue Rhino just agreed to a settlement on a class action lawsuit for only partially filling the tanks. "A federal judge preliminarily approved a class action settlement regarding consumer purchases of AmeriGas and Blue Rhino pre-filled propane tanks. AmeriGas has agreed to pay $6.5 million...
by Woodshark
Sat Mar 27, 2021 4:36 pm
Forum: Personal Consumer Issues
Topic: From your personal experience, bathroom in finished basement?
Replies: 37
Views: 2725

Re: From your personal experience, bathroom in finished basement?

Yes, as long as the plumbing is not too difficult. If you have to chisel up 30 feet of concrete to lay in a waste line or install a solid waste pump then I would vote no.
by Woodshark
Fri Mar 26, 2021 7:47 pm
Forum: Personal Consumer Issues
Topic: Turning unheated garage into woodshop: add raised flooring?
Replies: 19
Views: 1335

Re: Turning unheated garage into woodshop: add raised flooring?

I'm going to go against the grain and say if you are over 35 years old, you really do need to add some sort of of overlay to the concrete floor. I retired at 55 and built my detached woodshop with a poured concrete floor. I soon found out I could not work in it for over 2 hours without my feet killi...
by Woodshark
Thu Mar 11, 2021 6:21 pm
Forum: Personal Investments
Topic: I'm a newbie, follow BH investing, but feel left out during stock conversations
Replies: 50
Views: 4555

Re: I'm a newbie, follow BH investing, but feel left out during stock conversations

When I was around your age and experience I also tried investing in individual stocks. I'll admit I made some money and I lost some money too. It takes a LOT of time deciding what to buy. When to buy it. When to sell it. What will I buy with the funds after I sell. Ok crap, I made money but it was a...
by Woodshark
Tue Mar 02, 2021 7:15 pm
Forum: Investing - Theory, News & General
Topic: "Make Fewer Things Matter: My Epiphany From Cutting A Pineapple" Pineapple"
Replies: 26
Views: 4155

Re: "Make Fewer Things Matter: My Epiphany From Cutting A Pineapple" Pineapple"

I have to admit that I'm guilty of researching and analyzing financial things a bit too much. A very good reminder that life is too short to sweat all the micro details. At a certain point, you can relax a bit and not spend hours and hours trying to save an extra .05% here and there.
by Woodshark
Mon Feb 22, 2021 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Can sole proprietor buy car as business expense?
Replies: 7
Views: 614

Re: Can sole proprietor buy car as business expense?

I would think he could deduct the vehicle or miles as an expense OR get reimbursed for the miles. Not both.
by Woodshark
Sat Feb 20, 2021 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Cash: a survey
Replies: 95
Views: 6325

Re: Cash: a survey

Woodshark wrote: Sat Feb 20, 2021 4:52 pm We have around 5% in money market funds. If our penson should suddenly go away, it would fund about 1.5-2 years of expenses.
by Woodshark
Sat Feb 20, 2021 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Cash: a survey
Replies: 95
Views: 6325

Re: Cash: a survey

We have around 5% in money market funds. If our penson would suddenly go away, it would fund about 1.5-2 years of expenses.
by Woodshark
Thu Feb 18, 2021 6:50 pm
Forum: Personal Consumer Issues
Topic: Old parents , seeking info on stair lifts
Replies: 15
Views: 1343

Re: Old parents , seeking info on stair lifts

A timely post. My inlaws are in there late 80's with medical issues. Just last week they said they wanted to install a stair lift as getting up and down the stairs was getting dangerous for them. They asked that I look into it. Any suggestions would be welcome.
by Woodshark
Thu Feb 04, 2021 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: {SOLVED: REFI!} Are we crazy? (4.125% 30y mort, 22.67y left, no plan to refi)
Replies: 71
Views: 7669

Re: Are we crazy? (4.125% 30y mort, 22.67y left, no plan to refi)

You need to dissociate your mortgage from your retirement. One has nothing to do with the other. Why pay out more every month, just so you can say you paid off the house the same year you (hope to) retire. With the current low rates, I would refi the house and invest the difference. Or you can apply...
by Woodshark
Sun Jan 31, 2021 3:36 pm
Forum: Personal Consumer Issues
Topic: When is buying a home generator worth it?
Replies: 63
Views: 5677

Re: When is buying a home generator worth it?

That may be a decision that only you can make. It depends on how often the power goes out. (Once a quarter or once every five years) How long it stays out. (Hours or days?) How inconvienent it is to you if the power is out? (Some people just check into a local hotel till power is restored) Also, do ...
by Woodshark
Fri Jan 15, 2021 5:22 pm
Forum: Personal Consumer Issues
Topic: How to deter rodent from chewing wires in car
Replies: 50
Views: 3775

Re: How to deter rodent from chewing wires in car

It easiest is to throw some moth balls under the car. If it was me I would buy a cheap pair of nylon hose and put the moth balls it that to make pouch that you could hang in the engine compartment and remove as needed. Another option is to spray everything with "Bitter Apple Spray". It is ...
by Woodshark
Thu Jan 14, 2021 9:38 pm
Forum: Personal Consumer Issues
Topic: Options after being scammed on Ebay from buyer return scam
Replies: 51
Views: 5809

Re: Options after being scammed on Ebay from buyer return scam

I was scammed from a company in China in the Fall. I had ordered three expensive pool floats for a total or around $75. Each one normally retails for around $50 each so I thought it was a good deal. I got order confirmation and the whole thing looked OK. Three weeks later, two blow up tubes arrive t...
by Woodshark
Thu Jan 14, 2021 5:54 pm
Forum: Personal Consumer Issues
Topic: What Kind of Generator Do you Use for your Home Backup?
Replies: 139
Views: 8779

Re: What Kind of Generator Do you Use for your Home Backup?

After a tornado swept through our area and left us without power for several days, I decided it was time to get a backup GenSet. After careful consideration and LOTS of research, I settled on a Westinghouse W7500DF dual fuel (Gas or Propane) generator. I will run everything in our house except the h...
by Woodshark
Thu Jan 07, 2021 5:25 pm
Forum: Investing - Theory, News & General
Topic: What is the "Quit when you won the game" portfolio?
Replies: 177
Views: 18860

Re: What is the "Quit when you won the game" portfolio?

Ragman wrote: Thu Jan 07, 2021 12:49 pm 50/50 equities and bonds. 25% of equities in international. All broad based, low cost index funds.
This is the diversified portfolio I'm counting on.
by Woodshark
Wed Dec 30, 2020 4:40 pm
Forum: Personal Investments
Topic: Anti-Boglehead Confessions
Replies: 102
Views: 11417

Re: Anti-Boglehead Confessions

birdog wrote: Wed Dec 30, 2020 12:05 pm
ruralavalon wrote: Wed Dec 30, 2020 11:19 am I check our portfolio almost daily.
Same here. (Shhhh. Don’t tell anyone.)
Pssst. A guilty sin I share also.
by Woodshark
Sun Dec 27, 2020 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: 2020: Lessons learned
Replies: 237
Views: 16173

Re: 2020: Lessons learned

I learned that somehow, against all logic, the market can actually quickly shrug off a worldwide pandemic.
I'm still baffled but happy.
by Woodshark
Wed Dec 23, 2020 8:13 pm
Forum: Personal Consumer Issues
Topic: MERRY CHRISTMAS & Happy Holidays to all: Best Holiday Gift you have ever had or given and afforded or not afforded $$$.
Replies: 44
Views: 3574

Re: MERRY CHRISTMAS & Happy Holidays to all: Best Holiday Gift you have ever had or given and afforded or not afforded $

Given: An engagement ring to my girlfriend, now wife of over 30 happy years. I had always made derogatory remarks about anyone giving a ring on Christmas morning, so it was a total surprise to her. Her saying YES was the best gift I've ever continued to receive.
by Woodshark
Tue Dec 22, 2020 5:27 pm
Forum: Personal Consumer Issues
Topic: WiFi Extender Recommendation
Replies: 56
Views: 2538

Re: WiFi Extender Recommendation

I'm not a wifi expert. I don't even know what a mesh network is. What I do know is that several years ago I installed a couple of NETGEAR Wi-Fi Range Extenders, model EX2700. Maybe $25 each. Now I have wifi in my garage and my wife has it in her craft room. Maybe if you are a gamer you need somethin...
by Woodshark
Fri Dec 11, 2020 9:15 pm
Forum: Personal Consumer Issues
Topic: Favorite Travel Experiences
Replies: 178
Views: 12949

Re: Favorite Travel Experiences

Actun Tunichil Mukna sacred cave tour in Belize is the most memorable experience in recent years. A brief trip to mainland China when Hong Kong was still under British rule. Skyscrapers to water buffalo plowed rice fields in a blink of the eye. Way too many experiences in our multiple trips to Italy...
by Woodshark
Tue Dec 01, 2020 5:14 pm
Forum: Personal Consumer Issues
Topic: What are you getting your s/o for the holidays?
Replies: 123
Views: 9270

Re: What are you getting your s/o for the holidays?

My wife still loves Christmas and all the traditions that go along with it. To not have presents to open on Christmas day from each other would make her very sad indeed. We tend to wrap up and give several small gifts, such as books, music CDs, craft supplies etc. Plus a larger gift or two. We live...
by Woodshark
Mon Nov 30, 2020 6:57 pm
Forum: Personal Consumer Issues
Topic: Is Our Olive Oil Real?
Replies: 57
Views: 6241

Re: Is Our Olive Oil Real?

Kirkland Signature Organic Extra Virgin Olive Oil works for us :happy +1 +2. Kirkland brand from Costco is our choice of olive oil. We travel to Italy frequently and have even stayed at a small olive growers B&B. It's hard to beat the Kirkland EVOO for taste or value. It has a clean fresh smell...
by Woodshark
Mon Nov 30, 2020 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2020 software offer
Replies: 426
Views: 33456

Re: H&R Block 2020 software offer

A big thank you for the heads up on the Fed+State at Amazon for Cyber Monday. I purchased it today and will probably download it around February 1st.
by Woodshark
Tue Nov 24, 2020 5:56 pm
Forum: Personal Consumer Issues
Topic: What are you getting your s/o for the holidays?
Replies: 123
Views: 9270

Re: What are you getting your s/o for the holidays?

My wife still loves Christmas and all the traditions that go along with it. To not have presents to open on Christmas day from each other would make her very sad indeed. We tend to wrap up and give several small gifts, such as books, music CDs, craft supplies etc. Plus a larger gift or two. We live ...
by Woodshark
Thu Nov 19, 2020 5:42 pm
Forum: Investing - Theory, News & General
Topic: Honoring Taylor's 30,000 posts!
Replies: 30
Views: 2767

Re: Honoring Taylor's 30,000 posts!

Thank you Mr. Larimore. Words alone cannot express the depth of our gratitude for your many years of wisdom.
by Woodshark
Sun Nov 08, 2020 7:38 am
Forum: Personal Investments
Topic: Gold/Silver Bullion
Replies: 28
Views: 2086

Re: Gold/Silver Bullion

I've never been a fan of keeping gold, either physical or in digital form, in case of a catastrophic world event. I understand that many people hope to use it for bartering for food, safety, etc. I question how you do the actual trading in a post TSHTF world but that's just me. At most, I would stas...
by Woodshark
Sun Nov 08, 2020 7:17 am
Forum: Personal Investments
Topic: Anybody else profit from reading Jane Bryant Quinn's "Making the Most of Your Money"?
Replies: 35
Views: 5012

Re: Anybody else profit from reading Jane Bryant Quinn's "Making the Most of Your Money"?

I will agree. Making the Most of Your Money is indeed one of the most comprehensive and useful books out there. Thoroughly researched, yet easy to read. Even though it's several years old, I keep a copy and refer back to it from time to time. As the OP said; it's like a complete personal financial c...
by Woodshark
Mon Nov 02, 2020 6:14 pm
Forum: Personal Consumer Issues
Topic: Nine Volt Batteries
Replies: 61
Views: 4130

Re: Nine Volt Batteries

A partially used 9v bat is perfect for the battery backup feature in many clock radios and alarm clocks.
by Woodshark
Sun Oct 04, 2020 5:43 pm
Forum: Personal Consumer Issues
Topic: Any experience with a heat pump?
Replies: 47
Views: 2696

Re: Any experience with a heat pump?

We live in South Carolina. The climate is too warm for oil heat and natural gas is not an option. Almost everyone in our area has a heat pump for both AC and heat. The AC function feels just like a normal central air conditioning system. Coming from a house with gas heat, when in heat mode it feels,...
by Woodshark
Sun Oct 04, 2020 5:26 pm
Forum: Personal Consumer Issues
Topic: PSA: don't be stranded by a dead key fob battery
Replies: 50
Views: 5433

Re: PSA: don't be stranded by a dead key fob battery

I sort of knew I should research this for our new vehicle. Thanks for prompting me. Now I know what to do.
by Woodshark
Thu Oct 01, 2020 4:32 pm
Forum: Personal Investments
Topic: Large inheritance advice please!
Replies: 48
Views: 8659

Re: Large inheritance advice please!

Before you do anything, first read this
https://www.bogleheads.org/wiki/Managing_a_windfall
by Woodshark
Sat Sep 26, 2020 5:34 pm
Forum: Personal Consumer Issues
Topic: What's your favorite reasonably priced gin?
Replies: 113
Views: 8545

Re: What's your favorite reasonably priced gin?

My go to gin is Beefeater and has been for around 4 decades. Bombay is always nice too. Not a fan of Tanqueray but it will do in a pinch. Now Hendricks I like a lot. Unfortunately, it does not like me. Gives me bad headaches for some reason. I'd like to try Plymouth gin, seeing it was Travis McGee's...
by Woodshark
Sat Sep 12, 2020 5:15 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation-What have you learned about yourself?
Replies: 51
Views: 3759

Re: Asset Allocation-What have you learned about yourself?

I agree with you and I think bogleheads.org is almost a paradox for many/most. First you don't really know what to do or what you've even been doing. Then you end up here and fix your situation, having been indoctrinated or won over by a 3 fund portfolio. Next you keep lingering on bogleheads and r...
by Woodshark
Sat Sep 12, 2020 4:21 pm
Forum: Investing - Theory, News & General
Topic: What happened to Vanguard Contact Us phone numbers?
Replies: 16
Views: 11088

Re: What happened to Vanguard Contact Us phone numbers?

I very seldom need to actually talk to a CS rep. Maybe once or twice a year. However, last week I did so I logged into my account and searched for a phone number. Unlike before, I could not find one easily. I am a "Flagship" level client. Years ago I had a personal account rep. Granted, I ...
by Woodshark
Thu Sep 03, 2020 4:58 pm
Forum: Personal Consumer Issues
Topic: What expenditures improved your happiness/quality of life?
Replies: 234
Views: 42683

Re: What expenditures improved your happiness/quality of life?

Our newly finished basement with a craft room, full wet bar, 65" TV and surround sound. Totally worth the year of construction (by us) and 40K or so in materials.
by Woodshark
Mon Aug 31, 2020 9:03 am
Forum: Investing - Theory, News & General
Topic: Vanguard seems to have web online sign on problem
Replies: 145
Views: 6885

Re: Vanguard seems to have web online sign on problem

I was able to log in around 7:30am (EST) this morning, but I'm unable to log in now.
by Woodshark
Tue Aug 25, 2020 4:45 pm
Forum: Investing - Theory, News & General
Topic: A Beater Truck and a FAT 401k...
Replies: 104
Views: 10594

Re: A Beater Truck and a FAT 401k...

We bought a Plymouth Grand Voyager minivan back in 1998. Owned that van for about 22 years until we donated it to a local charity in February. Sure, it had a few minor cosmetic dings but with routine maintenance for 22 years, it was still running fine. We could have replaced it (for cash) many years...
by Woodshark
Thu Aug 20, 2020 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: how often do you check your net worth?
Replies: 153
Views: 10020

Re: how often do you check your net worth?

Investable assets I check probably too often. At least weekly most of the time, just to assure myself nothing strange is going on in the market or in my accounts. I remember when we were getting close to the two comma club, I checked it every single day. When the market closed with us over that mile...
by Woodshark
Mon Aug 10, 2020 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: What did you do when you won the game? Edited
Replies: 53
Views: 6820

Re: What did you do when you won the game?

About five years ago my wife reached early retirement as an educator and our investments reached a level that indicated we could retire in our mid 50's with a comfortable margin. Since retirement our lifestyle has not really change. Decades of being savers and penny pinchers has ingrained in us a th...
by Woodshark
Sat Jul 18, 2020 4:03 pm
Forum: Personal Consumer Issues
Topic: Kitchen Cabinets
Replies: 28
Views: 3081

Re: Kitchen Cabinets

I've purchased RTA (ready to assemble) kitchen cabinets twice. There are several online stores that sell them. They come pre-finished. Both times the cabinets and hardware exceeded the quality of the bigbox stores and were a little over half the price. They arrive flat packed and have to be assemble...
by Woodshark
Wed Jul 15, 2020 3:22 pm
Forum: Personal Consumer Issues
Topic: What about northeast corner of GA? (sorry about long post)
Replies: 75
Views: 8660

Re: What about northeast corner of GA? (sorry about long post)

I’d like to swing by Lake Jocassee in SC to see if there are any residential areas on the lake,
Lake Jocassee is beautiful but is entirely within a park. There are only 20 or so permitted homes on the lake and they are grandfathered in from many years ago.
by Woodshark
Mon Jul 13, 2020 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Have I reach the Need for an Umbrella Policy?
Replies: 24
Views: 2086

Re: Have I reach the Need for an Umbrella Policy?

Just for a frame of reference. We're retired, in our late 50's. Live in a low population area with no children. Just us two drivers and we own our home. Our 2 mil umbrella policy is $276.
by Woodshark
Fri Jul 10, 2020 5:57 pm
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 227
Views: 18092

Re: Gardening 2020

This year has been an epic fail. The first planting of tomatoes all died due to excessive rain and blight. The second round are thin and struggling to fight the blight left over in the soil. The lettuce was planted too late and went bitter with the heat of summer, even before it was 4 inches tall. T...
by Woodshark
Fri Jul 10, 2020 5:51 pm
Forum: Personal Consumer Issues
Topic: Who is your favorite fiction author and what is your favorite book of theirs?
Replies: 259
Views: 19319

Re: Who is your favorite fiction author and what is your favorite book of theirs?

I have to admit to a decades old addiction to anything by John D. Mcdonald. His Travis McGee series in particular. “I know just enough about myself to know I cannot settle for one of those simplifications which indignant people seize upon to make understandable a world too complex for their comprehe...
by Woodshark
Wed Jul 01, 2020 4:46 pm
Forum: Personal Consumer Issues
Topic: Painting new drywall
Replies: 24
Views: 1663

Re: Painting new drywall

One more hint. Make sure you/they lightly sand the walls after the primer coat. Primer raises the fiber on the drywall surface. A quick sanding knocks it down and gives a smooth surface for the final coats.
by Woodshark
Mon Jun 29, 2020 5:13 pm
Forum: Personal Consumer Issues
Topic: Painting new drywall
Replies: 24
Views: 1663

Re: Painting new drywall

We always paint new drywall with a PVA primer to seal it then two coats of good paint. It really helps to go ahead and tint the primer the same color as the paint.